Florida 2026 Filed Rate
Florida workers' comp rates are filed with NCCI and approved by the Florida Office of Insurance Regulation. Rates shown are per $100 of gross payroll.
Rate History — Code 6884
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $4.24 | — | NCCI FL Filing |
| 2025 | $2.32 | -45.3% ($1.92) | NCCI FL Filing |
| 2024 | $2.29 | -1.3% ($0.03) | NCCI FL −15.1% overall |
| 2023 | $2.49 | +8.7% (+$0.20) | NCCI FL Filing |
| 2022 | $2.52 | +1.2% (+$0.03) | Historical |
Florida workers' comp rates have generally declined. In 2024, NCCI secured an overall -15.1% rate reduction (approved by FLOIR), one of the largest reductions in Florida history.
Code Description
Ship Hull Painting
Ship hull painting workers, typically employed by commercial or private marine contractors, are subject to this class code. This industry poses a relatively high risk due to the hazardous nature of the work, with potential exposure to chemicals, heavy equipment, and waterborne pathogens. Pay-as-you-go PEO workers comp is a natural fit for this class as it allows businesses to manage their cash flow and avoid the upfront costs associated with traditional workers comp insurance, providing a more predictable and affordable solution.
Quick Premium Estimate
Based on the 2026 filed rate of $4.24 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $2,120.00 | $176.67 |
| $100,000 | $4,240.00 | $353.33 |
| $200,000 | $8,480.00 | $706.67 |
| $500,000 | $21,200.00 | $1,766.67 |
These are estimates based on the filed rate only and do not include SUTA, admin fees, or other charges. Get a full itemized quote →
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